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How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money
Updated: 07/03/18 | July 3rd, 2018
I recently asked subscribers of my newsletter about the number one thing that holds them back from traveling. The near universal answer?
Money.
This is something I hear from everyone I talk to: “Matt, I simply don’t have enough money to travel.”
This problem – and how to overcome it – is my most asked question. I answer this question in a plethora of posts, emails, tweets, and Facebook posts. Long-term readers might even be getting sick of me discussing this subject because it is one I talk about so much. I know no matter how often I address this question, it will come up again.
Since this question comes up so often, I like to constantly remind people of this fact:
You do not need to be rich to travel.
Let’s repeat that.
You do not need to be rich to travel cheap.
I sure wasn’t. I had an average-paying administrative job the year before I left for my first trip. It wasn’t a lot after taxes.
Yet I managed to save enough to travel the world. How? I made it a priority. If travel is not a priority for you, you will always find some other things to spend money on and you’ll never have “enough” money to travel. I never have enough money to go shopping or buy a new electronic gadget because I spend my money on travel, so there isn’t much left over for non-priority expenses. Everything I do is focused on having more money for travel (and other things I love like sushi, movies, and nice dinners)!
At the time, I was still paying college debt, and yet using those tips managed to save over $20,000 for my initial trip around the world.
“But Matt, I work a minimum wage job/am a student/live on Social Security/am underemployed/live with my parents/spend a lot/have kids/ and no matter what I can do, I’ll never be able to do it. I can’t even pay back my student loans. What do I do?”
The Cheapest Way To Travel The World: An Ultimate Guide To Cheap Travel
What do you do when you are in that boat? What do you do when prioritizing your budget?
Six years ago, I attempted to answer that question in this blog post. Now, I’ve updated this post to address those concerns again because methods and resources have changed.
But the central tenet remains the same: You don’t need a lot of money to begin traveling.
Even if you don’t earn a lot or have debt, there are ways to go overseas still. If you feel that no matter what you do you will never get ahead by saving money, follow this guide to ultimate travel frugality and see the world on the ultra-cheap:
Work overseas
Not making enough money at your job? Why not get a job overseas? There are plenty of opportunities in the world as long as you aren’t picky — and after all, this isn’t a career you are starting, it’s just a way to earn money for travel. Here are some jobs you can get to pay the bills and fund your travels:
Working overseas often gets discounted as an option because it seems hard to do. It’s not. Just be open. These jobs don’t require advanced degrees or a lot of work experience either. Are you going to get some high-paying office job? No. Will you get a shitty, low-wage job that will pay all your travel bills? Yes! I’ve met people from all walks of life, both from Western and non-Western countries, funding their travels this way.
READ MORE ABOUT WORKING OVERSEAS:
Teach English overseas
One of the best ways to make money for travel is to teach English overseas. You can make a lot of money teaching — I replenished my travel funds while working in Thailand, and I have had friends leave South Korea with tens of thousands of dollars in the bank. All you need is the ability to speak English fluently and maybe a TEFL degree, depending on the country you work in. The world is yearning for teachers, and this is a job in high demand; many companies in Asia will even pay for your flight over.
Additionally, there are many websites and services out there that allow you to teach virtually. As long as you have a great Wi-Fi connection you can help people learn English from anywhere in the world!
READ MORE ABOUT TEACHING OVERSEAS:
Get free flights
There are so many ways to earn free flights, I hate when people tell me they can’t afford to fly. Sign up for a few travel credit cards, collect miles, and then fly for free. Most cards offer sign-up bonuses of 50,000 points — and if you sign up for both an airline card (think a United airlines card) and a general rewards card like the Chase Sapphire or AMEX card, you can combine the two point balances and get a cheap flight faster.
By collecting points and miles through credit card bonuses, smart everyday spending, online surveys, bonuses, and other methods, you’ll accrue a ton of miles even before you’ve left for your trip. You can go a lot further in the world when you take away the cost of flights and some accommodation.
Stay with locals for free
There are many services that connect travelers with locals who are willing to let them stay with them for FREE. Using these sites you will never have to pay for accommodation. Years ago I read about a guy who traveled for years while only Couchsurfing. I’ve used this service about 10 times and always meet amazing people. Sometimes you get a room, sometimes a couch, sometimes an air mattress, but it’s always free. There are also local Couchsurfing group meet-ups that can help you make friends in your new city. Moreover, because of the rise of the sharing economy in the last few years there are now websites that let you not only stay with locals but share rides, meals, train tickets, gear, and much more! These websites not only save you a TON of money but they also get you off the tourist track and into the local life. Win-win! Here is a list of websites to use for free accommodation:
Use the sharing economy
Use the sharing economy to find cheaper accommodation, quirky tour guides, rideshare options, and home-cooked meals with local chefs. You can bypass the traditional travel industry with sharing economy websites and gain access to locals using their own assets and skills to become small tourism companies with cheaper prices. Moreover, locals know where to find deals. They know which supermarket is cheapest, which stores offer the best sales, and where to find the hole-in-the-wall restaurants and bars with the tastiest food at the lowest prices. Talking directly to them gives you access to that knowledge.
These websites have changed the travel game and made travel more accessible for everyone.
Here are some of my favorite websites:
Hitchhike
Hitchhiking is a free way to get around that is relatively safe and quite common in many parts of the world, including Central America, Scandinavia, Eastern Europe, Australia, and New Zealand. I’ve hitchhiked in more than a handful of countries in the world (and I know solo female travelers who have done the same!). Sure, it has a bad reputation in North America, but with some common sense and a bit of patience you can hitch hike almost anywhere — saving you tons of money in the process!
Free walking tours
Want to learn about the city, get your bearings, and see the major sights? Take a free walking tour. You can find them in 90% of the major cities in Europe, and there are also a few in large Asian cities, South America, New York, Australia, and New Zealand. To find these tours, ask the local tourist office, your hostel staff (or just walk into a hostel and ask about them), or Google “Free walking tour (city name).” Just be sure to tip at the end!
Housesit
Can’t afford your vacation? Watch someone’s house while they go on theirs! You can sign up for one of the sites below and watch people’s homes (and often their pets) for free, allowing you to stay in one destination for a while without having to pay for accommodation. Everyone’s account is verified so you know you won’t get cheated. This is a great platform for long-term travel with an important added bonus: you get a kitchen to cook your food (which saves you even more money!!!). Here are the best housesitting websites to check out:
Cook your meals
The best way to save money on the road is to cook all your own meals. I recently spent $60 USD for a week’s worth of groceries in Stockholm instead of an average of $15 USD per meal eating out! That’s a saving of $150 USD! If you are Couchsurfing, your host will probably have a kitchen, as do many hostels, campsites, and guesthouses. No kitchen? Pack your own container and silverware and make some sandwiches and salads on the go. Not every meal requires a stove right?
Just because you are traveling, it doesn’t mean you need to eat out every meal. You won’t ruin your trip to Paris if you decide not to eat out one day! There’s simply no reason to be spending lots of money on food on your trip!
WWOOFing
WWOOF stands for World Wide Opportunities on Organic Farms. It’s a platform that allows you to work on a farm in exchange for free room and board. It’s a great way to see a destination in-depth while allowing you to commune with the great outdoors. You have to pay to get to the farm, but once you are there, everything else is covered!
Bonus tips
Here are five additional ways to save money that cost a little but are still very cheap:
Get rail passes — Booking ahead of time can usually save you about 50% of the cost of a train ticket, but if you don’t want to be tied into a fixed schedule, rail passes can save you a lot of money. I’ve saved hundreds of dollars in Europe doing this!
Sleep in large dorms — Large hostel dorm rooms are the cheapest paid accommodation out there. If Couchsurfing isn’t your thing, this is your next best way to save money on a place to sleep.
Use student and other discount cards — Are you a student, teacher, or under 26? Welcome to the world of 50%-off attractions and a plethora of discounts. Get a student/teacher/youth card and save big!
Get city tourist cards — If you plan on seeing a lot of sights in a city, you should get a city tourism card, which offers you discounted and free access to the major attractions and museums, as well as free public transportation. I saved over $100 with the London pass, $80 with Paris Museum card, $50 with a Helsinki card, and tons more with other city tourism cards. They are an amazing way to save money on attractions that not enough people use.
Sell your services– Need some cash? Use Craigslist, TaskRabbit, or Gumtree to find people who need a few things done around the house and get paid to help them. It’s a way to make money when you travel without committing to a long-term job. Additionally, if you have a skill, sell it. Offer haircuts to other travelers, busk for money, consult, etc. You can also help people learn your native language through apps like Duolingo.
Between all of these tips, you’ll be able to travel for relatively little money. After all, I’ve spent five days in Stockholm on $100 and once spent 10 days in London on $700.
If I can do it, you can do it too.
Whether it’s two months, two years, or just a two-week vacation, travel doesn’t need to cost a huge sum of money. The key is to get out of the mindset that you must travel using the flight/hotel combination. Using out-of-the-box, nontraditional ways to travel can lead to big savings.
With a little creativity, patience, and practice, you can travel the world with little to no money!
Read the full article
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Text
How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money
Updated: 07/03/18 | July 3rd, 2018
I recently asked subscribers of my newsletter about the number one thing that holds them back from traveling. The near universal answer?
Money.
This is something I hear from everyone I talk to: “Matt, I simply don’t have enough money to travel.”
This problem – and how to overcome it – is my most asked question. I answer this question in a plethora of posts, emails, tweets, and Facebook posts. Long-term readers might even be getting sick of me discussing this subject because it is one I talk about so much. I know no matter how often I address this question, it will come up again.
Since this question comes up so often, I like to constantly remind people of this fact:
You do not need to be rich to travel.
Let’s repeat that.
You do not need to be rich to travel cheap.
I sure wasn’t. I had an average-paying administrative job the year before I left for my first trip. It wasn’t a lot after taxes.
Yet I managed to save enough to travel the world. How? I made it a priority. If travel is not a priority for you, you will always find some other things to spend money on and you’ll never have “enough” money to travel. I never have enough money to go shopping or buy a new electronic gadget because I spend my money on travel, so there isn’t much left over for non-priority expenses. Everything I do is focused on having more money for travel (and other things I love like sushi, movies, and nice dinners)!
At the time, I was still paying college debt, and yet using those tips managed to save over $20,000 for my initial trip around the world.
“But Matt, I work a minimum wage job/am a student/live on Social Security/am underemployed/live with my parents/spend a lot/have kids/[insert other excuse here] and no matter what I can do, I’ll never be able to do it. I can’t even pay back my student loans. What do I do?”
The Cheapest Way To Travel The World: An Ultimate Guide To Cheap Travel
What do you do when you are in that boat? What do you do when prioritizing your budget?
Six years ago, I attempted to answer that question in this blog post. Now, I’ve updated this post to address those concerns again because methods and resources have changed.
But the central tenet remains the same: You don’t need a lot of money to begin traveling.
Even if you don’t earn a lot or have debt, there are ways to go overseas still. If you feel that no matter what you do you will never get ahead by saving money, follow this guide to ultimate travel frugality and see the world on the ultra-cheap:
Work overseas
Not making enough money at your job? Why not get a job overseas? There are plenty of opportunities in the world as long as you aren’t picky — and after all, this isn’t a career you are starting, it’s just a way to earn money for travel. Here are some jobs you can get to pay the bills and fund your travels:
Au pair
Bartender
Hostel worker
Waitress/waiter
Farm worker (very popular in Australia and New Zealand)
Dive instructor (some certification required)
Tour guide
Cruise ship worker
Casino worker
Seasonal worker at ski resorts
Yacht worker
Working overseas often gets discounted as an option because it seems hard to do. It’s not. Just be open. These jobs don’t require advanced degrees or a lot of work experience either. Are you going to get some high-paying office job? No. Will you get a shitty, low-wage job that will pay all your travel bills? Yes! I’ve met people from all walks of life, both from Western and non-Western countries, funding their travels this way.
READ MORE ABOUT WORKING OVERSEAS:
15 Ways to Find a Job and Work Overseas
The 9 Best Places to Teach English Overseas
How to Get an English Teaching Job Overseas
Teach English overseas
One of the best ways to make money for travel is to teach English overseas. You can make a lot of money teaching — I replenished my travel funds while working in Thailand, and I have had friends leave South Korea with tens of thousands of dollars in the bank. All you need is the ability to speak English fluently and maybe a TEFL degree, depending on the country you work in. The world is yearning for teachers, and this is a job in high demand; many companies in Asia will even pay for your flight over.
Additionally, there are many websites and services out there that allow you to teach virtually. As long as you have a great Wi-Fi connection you can help people learn English from anywhere in the world!
READ MORE ABOUT TEACHING OVERSEAS:
How Emily Funded Her Entire Trip by Teaching Overseas
Discover How to Get an English Teaching Job Overseas
How to Teach English and Live in Spain
The 9 Best Places to Teach English Overseas
Get free flights
There are so many ways to earn free flights, I hate when people tell me they can’t afford to fly. Sign up for a few travel credit cards, collect miles, and then fly for free. Most cards offer sign-up bonuses of 50,000 points — and if you sign up for both an airline card (think a United airlines card) and a general rewards card like the Chase Sapphire or AMEX card, you can combine the two point balances and get a cheap flight faster.
By collecting points and miles through credit card bonuses, smart everyday spending, online surveys, bonuses, and other methods, you’ll accrue a ton of miles even before you’ve left for your trip. You can go a lot further in the world when you take away the cost of flights and some accommodation.
Travel hacking is how you can travel cheap!!!!
READ MORE ABOUT TRAVEL HACKING:
The #1 Thing Travel Experts Do to Get Free Flights and Hotels
How to Find Cheap Flights: The Ultimate Guide
Is Travel Hacking Really a Scam?
How I Earn 1 Million Frequent Flier Miles Each Year
Stay with locals for free
There are many services that connect travelers with locals who are willing to let them stay with them for FREE. Using these sites you will never have to pay for accommodation. Years ago I read about a guy who traveled for years while only Couchsurfing. I’ve used this service about 10 times and always meet amazing people. Sometimes you get a room, sometimes a couch, sometimes an air mattress, but it’s always free. There are also local Couchsurfing group meet-ups that can help you make friends in your new city. Moreover, because of the rise of the sharing economy in the last few years there are now websites that let you not only stay with locals but share rides, meals, train tickets, gear, and much more! These websites not only save you a TON of money but they also get you off the tourist track and into the local life. Win-win! Here is a list of websites to use for free accommodation:
Couchsurfing
Servas
Global Freeloaders
READ MORE ABOUT FINDING CHEAP OR FREE ACCCOMMODATION:
How to Find Cheap Accommodation in 2018
How to Become a House Sitter and Never Pay for Accommodation
How to Crush it on Couchsurfing
Use the sharing economy
Use the sharing economy to find cheaper accommodation, quirky tour guides, rideshare options, and home-cooked meals with local chefs. You can bypass the traditional travel industry with sharing economy websites and gain access to locals using their own assets and skills to become small tourism companies with cheaper prices. Moreover, locals know where to find deals. They know which supermarket is cheapest, which stores offer the best sales, and where to find the hole-in-the-wall restaurants and bars with the tastiest food at the lowest prices. Talking directly to them gives you access to that knowledge.
These websites have changed the travel game and made travel more accessible for everyone.
Here are some of my favorite websites:
Airbnb (accommodation)
Vayable (tours)
BlaBlaCar (ridesharing)
EatWith (meals)
Hitchhike
Hitchhiking is a free way to get around that is relatively safe and quite common in many parts of the world, including Central America, Scandinavia, Eastern Europe, Australia, and New Zealand. I’ve hitchhiked in more than a handful of countries in the world (and I know solo female travelers who have done the same!). Sure, it has a bad reputation in North America, but with some common sense and a bit of patience you can hitch hike almost anywhere — saving you tons of money in the process!
READ MORE ABOUT HITCHHIKING:
14 Ways to Safely Hitchhike Across the United States
What I Learned Hitchhiking Around China
A Lesson in Kindness While Hitchhiking Through Iceland
Free walking tours
Want to learn about the city, get your bearings, and see the major sights? Take a free walking tour. You can find them in 90% of the major cities in Europe, and there are also a few in large Asian cities, South America, New York, Australia, and New Zealand. To find these tours, ask the local tourist office, your hostel staff (or just walk into a hostel and ask about them), or Google “Free walking tour (city name).” Just be sure to tip at the end!
READ MORE ABOUT TAKING FREE WALKING TOURS:
Historical Walking Tours of NYC
8 Ways to Choose the Perfect Tour Company in 2018
Housesit
Can’t afford your vacation? Watch someone’s house while they go on theirs! You can sign up for one of the sites below and watch people’s homes (and often their pets) for free, allowing you to stay in one destination for a while without having to pay for accommodation. Everyone’s account is verified so you know you won’t get cheated. This is a great platform for long-term travel with an important added bonus: you get a kitchen to cook your food (which saves you even more money!!!). Here are the best housesitting websites to check out:
Trusted Housesitters
Home Exchange
House Carers
READ MORE ABOUT HOUSESITTING:
How to Become a House Sitter and Never Pay for Accommodation
How to Travel the World for Free with Trusted Housesitters
Cook your meals
The best way to save money on the road is to cook all your own meals. I recently spent $60 USD for a week’s worth of groceries in Stockholm instead of an average of $15 USD per meal eating out! That’s a saving of $150 USD! If you are Couchsurfing, your host will probably have a kitchen, as do many hostels, campsites, and guesthouses. No kitchen? Pack your own container and silverware and make some sandwiches and salads on the go. Not every meal requires a stove right?
Just because you are traveling, it doesn’t mean you need to eat out every meal. You won’t ruin your trip to Paris if you decide not to eat out one day! There’s simply no reason to be spending lots of money on food on your trip!
READ MORE ABOUT SAVING MONEY ON FOOD WHEN YOU TRAVEL:
How to Lower Your Food Expenses When You Travel
How to Travel and Eat Your Way Around the World
WWOOFing
WWOOF stands for World Wide Opportunities on Organic Farms. It’s a platform that allows you to work on a farm in exchange for free room and board. It’s a great way to see a destination in-depth while allowing you to commune with the great outdoors. You have to pay to get to the farm, but once you are there, everything else is covered!
READ MORE ABOUT VOLUNTEERING:
How to Travel and Work Around the World with WWOOF
How to Ethically Volunteer Anywhere in the World
Bonus tips
Here are five additional ways to save money that cost a little but are still very cheap:
Get rail passes — Booking ahead of time can usually save you about 50% of the cost of a train ticket, but if you don’t want to be tied into a fixed schedule, rail passes can save you a lot of money. I’ve saved hundreds of dollars in Europe doing this!
Sleep in large dorms — Large hostel dorm rooms are the cheapest paid accommodation out there. If Couchsurfing isn’t your thing, this is your next best way to save money on a place to sleep.
Use student and other discount cards — Are you a student, teacher, or under 26? Welcome to the world of 50%-off attractions and a plethora of discounts. Get a student/teacher/youth card and save big!
Get city tourist cards — If you plan on seeing a lot of sights in a city, you should get a city tourism card, which offers you discounted and free access to the major attractions and museums, as well as free public transportation. I saved over $100 with the London pass, $80 with Paris Museum card, $50 with a Helsinki card, and tons more with other city tourism cards. They are an amazing way to save money on attractions that not enough people use.
Sell your services– Need some cash? Use Craigslist, TaskRabbit, or Gumtree to find people who need a few things done around the house and get paid to help them. It’s a way to make money when you travel without committing to a long-term job. Additionally, if you have a skill, sell it. Offer haircuts to other travelers, busk for money, consult, etc. You can also help people learn your native language through apps like Duolingo.
Between all of these tips, you’ll be able to travel for relatively little money. After all, I’ve spent five days in Stockholm on $100 and once spent 10 days in London on $700.
If I can do it, you can do it too.
Whether it’s two months, two years, or just a two-week vacation, travel doesn’t need to cost a huge sum of money. The key is to get out of the mindset that you must travel using the flight/hotel combination. Using out-of-the-box, nontraditional ways to travel can lead to big savings.
With a little creativity, patience, and practice, you can travel the world with little to no money!
Next Steps for Traveling
To turn the above advice into actionable steps by reading the following articles:
How to Get Free Flights & Hotels
How to Travel the World on $50 a Day
Learn How to Get Paid and Travel
The post How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money appeared first on Nomadic Matt's Travel Site.
source https://www.nomadicmatt.com/travel-blogs/the-ultimate-guide-to-traveling-when-you-have-no-money/
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Updated: 07/03/18 | July 3rd, 2018
I recently asked subscribers of my newsletter about the number one thing that holds them back from traveling. The near universal answer?
Money.
This is something I hear from everyone I talk to: “Matt, I simply don’t have enough money to travel.”
This problem – and how to overcome it – is my most asked question. I answer this question in a plethora of posts, emails, tweets, and Facebook posts. Long-term readers might even be getting sick of me discussing this subject because it is one I talk about so much. I know no matter how often I address this question, it will come up again.
Since this question comes up so often, I like to constantly remind people of this fact:
You do not need to be rich to travel.
Let’s repeat that.
You do not need to be rich to travel cheap.
I sure wasn’t. I had an average-paying administrative job the year before I left for my first trip. It wasn’t a lot after taxes.
Yet I managed to save enough to travel the world. How? I made it a priority. If travel is not a priority for you, you will always find some other things to spend money on and you’ll never have “enough” money to travel. I never have enough money to go shopping or buy a new electronic gadget because I spend my money on travel, so there isn’t much left over for non-priority expenses. Everything I do is focused on having more money for travel (and other things I love like sushi, movies, and nice dinners)!
At the time, I was still paying college debt, and yet using those tips managed to save over $20,000 for my initial trip around the world.
“But Matt, I work a minimum wage job/am a student/live on Social Security/am underemployed/live with my parents/spend a lot/have kids/[insert other excuse here] and no matter what I can do, I’ll never be able to do it. I can’t even pay back my student loans. What do I do?”
The Cheapest Way To Travel The World: An Ultimate Guide To Cheap Travel
What do you do when you are in that boat? What do you do when prioritizing your budget?
Six years ago, I attempted to answer that question in this blog post. Now, I’ve updated this post to address those concerns again because methods and resources have changed.
But the central tenet remains the same: You don’t need a lot of money to begin traveling.
Even if you don’t earn a lot or have debt, there are ways to go overseas still. If you feel that no matter what you do you will never get ahead by saving money, follow this guide to ultimate travel frugality and see the world on the ultra-cheap:
Work overseas
Not making enough money at your job? Why not get a job overseas? There are plenty of opportunities in the world as long as you aren’t picky — and after all, this isn’t a career you are starting, it’s just a way to earn money for travel. Here are some jobs you can get to pay the bills and fund your travels:
Au pair
Bartender
Hostel worker
Waitress/waiter
Farm worker (very popular in Australia and New Zealand)
Dive instructor (some certification required)
Tour guide
Cruise ship worker
Casino worker
Seasonal worker at ski resorts
Yacht worker
Working overseas often gets discounted as an option because it seems hard to do. It’s not. Just be open. These jobs don’t require advanced degrees or a lot of work experience either. Are you going to get some high-paying office job? No. Will you get a shitty, low-wage job that will pay all your travel bills? Yes! I’ve met people from all walks of life, both from Western and non-Western countries, funding their travels this way.
READ MORE ABOUT WORKING OVERSEAS:
15 Ways to Find a Job and Work Overseas
The 9 Best Places to Teach English Overseas
How to Get an English Teaching Job Overseas
Teach English overseas
One of the best ways to make money for travel is to teach English overseas. You can make a lot of money teaching — I replenished my travel funds while working in Thailand, and I have had friends leave South Korea with tens of thousands of dollars in the bank. All you need is the ability to speak English fluently and maybe a TEFL degree, depending on the country you work in. The world is yearning for teachers, and this is a job in high demand; many companies in Asia will even pay for your flight over.
Additionally, there are many websites and services out there that allow you to teach virtually. As long as you have a great Wi-Fi connection you can help people learn English from anywhere in the world!
READ MORE ABOUT TEACHING OVERSEAS:
How Emily Funded Her Entire Trip by Teaching Overseas
Discover How to Get an English Teaching Job Overseas
How to Teach English and Live in Spain
The 9 Best Places to Teach English Overseas
Get free flights
There are so many ways to earn free flights, I hate when people tell me they can’t afford to fly. Sign up for a few travel credit cards, collect miles, and then fly for free. Most cards offer sign-up bonuses of 50,000 points — and if you sign up for both an airline card (think a United airlines card) and a general rewards card like the Chase Sapphire or AMEX card, you can combine the two point balances and get a cheap flight faster.
By collecting points and miles through credit card bonuses, smart everyday spending, online surveys, bonuses, and other methods, you’ll accrue a ton of miles even before you’ve left for your trip. You can go a lot further in the world when you take away the cost of flights and some accommodation.
Travel hacking is how you can travel cheap!!!!
READ MORE ABOUT TRAVEL HACKING:
The #1 Thing Travel Experts Do to Get Free Flights and Hotels
How to Find Cheap Flights: The Ultimate Guide
Is Travel Hacking Really a Scam?
How I Earn 1 Million Frequent Flier Miles Each Year
Stay with locals for free
There are many services that connect travelers with locals who are willing to let them stay with them for FREE. Using these sites you will never have to pay for accommodation. Years ago I read about a guy who traveled for years while only Couchsurfing. I’ve used this service about 10 times and always meet amazing people. Sometimes you get a room, sometimes a couch, sometimes an air mattress, but it’s always free. There are also local Couchsurfing group meet-ups that can help you make friends in your new city. Moreover, because of the rise of the sharing economy in the last few years there are now websites that let you not only stay with locals but share rides, meals, train tickets, gear, and much more! These websites not only save you a TON of money but they also get you off the tourist track and into the local life. Win-win! Here is a list of websites to use for free accommodation:
Couchsurfing
Servas
Global Freeloaders
READ MORE ABOUT FINDING CHEAP OR FREE ACCCOMMODATION:
How to Find Cheap Accommodation in 2018
How to Become a House Sitter and Never Pay for Accommodation
How to Crush it on Couchsurfing
Use the sharing economy
Use the sharing economy to find cheaper accommodation, quirky tour guides, rideshare options, and home-cooked meals with local chefs. You can bypass the traditional travel industry with sharing economy websites and gain access to locals using their own assets and skills to become small tourism companies with cheaper prices. Moreover, locals know where to find deals. They know which supermarket is cheapest, which stores offer the best sales, and where to find the hole-in-the-wall restaurants and bars with the tastiest food at the lowest prices. Talking directly to them gives you access to that knowledge.
These websites have changed the travel game and made travel more accessible for everyone.
Here are some of my favorite websites:
Airbnb (accommodation)
Vayable (tours)
BlaBlaCar (ridesharing)
EatWith (meals)
Hitchhike
Hitchhiking is a free way to get around that is relatively safe and quite common in many parts of the world, including Central America, Scandinavia, Eastern Europe, Australia, and New Zealand. I’ve hitchhiked in more than a handful of countries in the world (and I know solo female travelers who have done the same!). Sure, it has a bad reputation in North America, but with some common sense and a bit of patience you can hitch hike almost anywhere — saving you tons of money in the process!
READ MORE ABOUT HITCHHIKING:
14 Ways to Safely Hitchhike Across the United States
What I Learned Hitchhiking Around China
A Lesson in Kindness While Hitchhiking Through Iceland
Free walking tours
Want to learn about the city, get your bearings, and see the major sights? Take a free walking tour. You can find them in 90% of the major cities in Europe, and there are also a few in large Asian cities, South America, New York, Australia, and New Zealand. To find these tours, ask the local tourist office, your hostel staff (or just walk into a hostel and ask about them), or Google “Free walking tour (city name).” Just be sure to tip at the end!
READ MORE ABOUT TAKING FREE WALKING TOURS:
Historical Walking Tours of NYC
8 Ways to Choose the Perfect Tour Company in 2018
Housesit
Can’t afford your vacation? Watch someone’s house while they go on theirs! You can sign up for one of the sites below and watch people’s homes (and often their pets) for free, allowing you to stay in one destination for a while without having to pay for accommodation. Everyone’s account is verified so you know you won’t get cheated. This is a great platform for long-term travel with an important added bonus: you get a kitchen to cook your food (which saves you even more money!!!). Here are the best housesitting websites to check out:
Trusted Housesitters
Home Exchange
House Carers
READ MORE ABOUT HOUSESITTING:
How to Become a House Sitter and Never Pay for Accommodation
How to Travel the World for Free with Trusted Housesitters
Cook your meals
The best way to save money on the road is to cook all your own meals. I recently spent $60 USD for a week’s worth of groceries in Stockholm instead of an average of $15 USD per meal eating out! That’s a saving of $150 USD! If you are Couchsurfing, your host will probably have a kitchen, as do many hostels, campsites, and guesthouses. No kitchen? Pack your own container and silverware and make some sandwiches and salads on the go. Not every meal requires a stove right?
Just because you are traveling, it doesn’t mean you need to eat out every meal. You won’t ruin your trip to Paris if you decide not to eat out one day! There’s simply no reason to be spending lots of money on food on your trip!
READ MORE ABOUT SAVING MONEY ON FOOD WHEN YOU TRAVEL:
How to Lower Your Food Expenses When You Travel
How to Travel and Eat Your Way Around the World
WWOOFing
WWOOF stands for World Wide Opportunities on Organic Farms. It’s a platform that allows you to work on a farm in exchange for free room and board. It’s a great way to see a destination in-depth while allowing you to commune with the great outdoors. You have to pay to get to the farm, but once you are there, everything else is covered!
READ MORE ABOUT VOLUNTEERING:
How to Travel and Work Around the World with WWOOF
How to Ethically Volunteer Anywhere in the World
Bonus tips
Here are five additional ways to save money that cost a little but are still very cheap:
Get rail passes — Booking ahead of time can usually save you about 50% of the cost of a train ticket, but if you don’t want to be tied into a fixed schedule, rail passes can save you a lot of money. I’ve saved hundreds of dollars in Europe doing this!
Sleep in large dorms — Large hostel dorm rooms are the cheapest paid accommodation out there. If Couchsurfing isn’t your thing, this is your next best way to save money on a place to sleep.
Use student and other discount cards — Are you a student, teacher, or under 26? Welcome to the world of 50%-off attractions and a plethora of discounts. Get a student/teacher/youth card and save big!
Get city tourist cards — If you plan on seeing a lot of sights in a city, you should get a city tourism card, which offers you discounted and free access to the major attractions and museums, as well as free public transportation. I saved over $100 with the London pass, $80 with Paris Museum card, $50 with a Helsinki card, and tons more with other city tourism cards. They are an amazing way to save money on attractions that not enough people use.
Sell your services– Need some cash? Use Craigslist, TaskRabbit, or Gumtree to find people who need a few things done around the house and get paid to help them. It’s a way to make money when you travel without committing to a long-term job. Additionally, if you have a skill, sell it. Offer haircuts to other travelers, busk for money, consult, etc. You can also help people learn your native language through apps like Duolingo.
Between all of these tips, you’ll be able to travel for relatively little money. After all, I’ve spent five days in Stockholm on $100 and once spent 10 days in London on $700.
If I can do it, you can do it too.
Whether it’s two months, two years, or just a two-week vacation, travel doesn’t need to cost a huge sum of money. The key is to get out of the mindset that you must travel using the flight/hotel combination. Using out-of-the-box, nontraditional ways to travel can lead to big savings.
With a little creativity, patience, and practice, you can travel the world with little to no money!
Next Steps for Traveling
To turn the above advice into actionable steps by reading the following articles:
How to Get Free Flights & Hotels
How to Travel the World on $50 a Day
Learn How to Get Paid and Travel
The post How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money appeared first on Nomadic Matt's Travel Site.
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How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money
Updated: 07/03/18 | July 3rd, 2018
I recently asked subscribers of my newsletter about the number one thing that holds them back from traveling. The near universal answer?
Money.
This is something I hear from everyone I talk to: “Matt, I simply don’t have enough money to travel.”
This problem – and how to overcome it – is my most asked question. I answer this question in a plethora of posts, emails, tweets, and Facebook posts. Long-term readers might even be getting sick of me discussing this subject because it is one I talk about so much. I know no matter how often I address this question, it will come up again.
Since this question comes up so often, I like to constantly remind people of this fact:
You do not need to be rich to travel.
Let’s repeat that.
You do not need to be rich to travel cheap.
I sure wasn’t. I had an average-paying administrative job the year before I left for my first trip. It wasn’t a lot after taxes.
Yet I managed to save enough to travel the world. How? I made it a priority. If travel is not a priority for you, you will always find some other things to spend money on and you’ll never have “enough” money to travel. I never have enough money to go shopping or buy a new electronic gadget because I spend my money on travel, so there isn’t much left over for non-priority expenses. Everything I do is focused on having more money for travel (and other things I love like sushi, movies, and nice dinners)!
At the time, I was still paying college debt, and yet using those tips managed to save over $20,000 for my initial trip around the world.
“But Matt, I work a minimum wage job/am a student/live on Social Security/am underemployed/live with my parents/spend a lot/have kids/[insert other excuse here] and no matter what I can do, I’ll never be able to do it. I can’t even pay back my student loans. What do I do?”
The Cheapest Way To Travel The World: An Ultimate Guide To Cheap Travel
What do you do when you are in that boat? What do you do when prioritizing your budget?
Six years ago, I attempted to answer that question in this blog post. Now, I’ve updated this post to address those concerns again because methods and resources have changed.
But the central tenet remains the same: You don’t need a lot of money to begin traveling.
Even if you don’t earn a lot or have debt, there are ways to go overseas still. If you feel that no matter what you do you will never get ahead by saving money, follow this guide to ultimate travel frugality and see the world on the ultra-cheap:
Work overseas
Not making enough money at your job? Why not get a job overseas? There are plenty of opportunities in the world as long as you aren’t picky — and after all, this isn’t a career you are starting, it’s just a way to earn money for travel. Here are some jobs you can get to pay the bills and fund your travels:
Au pair
Bartender
Hostel worker
Waitress/waiter
Farm worker (very popular in Australia and New Zealand)
Dive instructor (some certification required)
Tour guide
Cruise ship worker
Casino worker
Seasonal worker at ski resorts
Yacht worker
Working overseas often gets discounted as an option because it seems hard to do. It’s not. Just be open. These jobs don’t require advanced degrees or a lot of work experience either. Are you going to get some high-paying office job? No. Will you get a shitty, low-wage job that will pay all your travel bills? Yes! I’ve met people from all walks of life, both from Western and non-Western countries, funding their travels this way.
READ MORE ABOUT WORKING OVERSEAS:
15 Ways to Find a Job and Work Overseas
The 9 Best Places to Teach English Overseas
How to Get an English Teaching Job Overseas
Teach English overseas
One of the best ways to make money for travel is to teach English overseas. You can make a lot of money teaching — I replenished my travel funds while working in Thailand, and I have had friends leave South Korea with tens of thousands of dollars in the bank. All you need is the ability to speak English fluently and maybe a TEFL degree, depending on the country you work in. The world is yearning for teachers, and this is a job in high demand; many companies in Asia will even pay for your flight over.
Additionally, there are many websites and services out there that allow you to teach virtually. As long as you have a great Wi-Fi connection you can help people learn English from anywhere in the world!
READ MORE ABOUT TEACHING OVERSEAS:
How Emily Funded Her Entire Trip by Teaching Overseas
Discover How to Get an English Teaching Job Overseas
How to Teach English and Live in Spain
The 9 Best Places to Teach English Overseas
Get free flights
There are so many ways to earn free flights, I hate when people tell me they can’t afford to fly. Sign up for a few travel credit cards, collect miles, and then fly for free. Most cards offer sign-up bonuses of 50,000 points — and if you sign up for both an airline card (think a United airlines card) and a general rewards card like the Chase Sapphire or AMEX card, you can combine the two point balances and get a cheap flight faster.
By collecting points and miles through credit card bonuses, smart everyday spending, online surveys, bonuses, and other methods, you’ll accrue a ton of miles even before you’ve left for your trip. You can go a lot further in the world when you take away the cost of flights and some accommodation.
Travel hacking is how you can travel cheap!!!!
READ MORE ABOUT TRAVEL HACKING:
The #1 Thing Travel Experts Do to Get Free Flights and Hotels
How to Find Cheap Flights: The Ultimate Guide
Is Travel Hacking Really a Scam?
How I Earn 1 Million Frequent Flier Miles Each Year
Stay with locals for free
There are many services that connect travelers with locals who are willing to let them stay with them for FREE. Using these sites you will never have to pay for accommodation. Years ago I read about a guy who traveled for years while only Couchsurfing. I’ve used this service about 10 times and always meet amazing people. Sometimes you get a room, sometimes a couch, sometimes an air mattress, but it’s always free. There are also local Couchsurfing group meet-ups that can help you make friends in your new city. Moreover, because of the rise of the sharing economy in the last few years there are now websites that let you not only stay with locals but share rides, meals, train tickets, gear, and much more! These websites not only save you a TON of money but they also get you off the tourist track and into the local life. Win-win! Here is a list of websites to use for free accommodation:
Couchsurfing
Servas
Global Freeloaders
READ MORE ABOUT FINDING CHEAP OR FREE ACCCOMMODATION:
How to Find Cheap Accommodation in 2018
How to Become a House Sitter and Never Pay for Accommodation
How to Crush it on Couchsurfing
Use the sharing economy
Use the sharing economy to find cheaper accommodation, quirky tour guides, rideshare options, and home-cooked meals with local chefs. You can bypass the traditional travel industry with sharing economy websites and gain access to locals using their own assets and skills to become small tourism companies with cheaper prices. Moreover, locals know where to find deals. They know which supermarket is cheapest, which stores offer the best sales, and where to find the hole-in-the-wall restaurants and bars with the tastiest food at the lowest prices. Talking directly to them gives you access to that knowledge.
These websites have changed the travel game and made travel more accessible for everyone.
Here are some of my favorite websites:
Airbnb (accommodation)
Vayable (tours)
BlaBlaCar (ridesharing)
EatWith (meals)
Hitchhike
Hitchhiking is a free way to get around that is relatively safe and quite common in many parts of the world, including Central America, Scandinavia, Eastern Europe, Australia, and New Zealand. I’ve hitchhiked in more than a handful of countries in the world (and I know solo female travelers who have done the same!). Sure, it has a bad reputation in North America, but with some common sense and a bit of patience you can hitch hike almost anywhere — saving you tons of money in the process!
READ MORE ABOUT HITCHHIKING:
14 Ways to Safely Hitchhike Across the United States
What I Learned Hitchhiking Around China
A Lesson in Kindness While Hitchhiking Through Iceland
Free walking tours
Want to learn about the city, get your bearings, and see the major sights? Take a free walking tour. You can find them in 90% of the major cities in Europe, and there are also a few in large Asian cities, South America, New York, Australia, and New Zealand. To find these tours, ask the local tourist office, your hostel staff (or just walk into a hostel and ask about them), or Google “Free walking tour (city name).” Just be sure to tip at the end!
READ MORE ABOUT TAKING FREE WALKING TOURS:
Historical Walking Tours of NYC
8 Ways to Choose the Perfect Tour Company in 2018
Housesit
Can’t afford your vacation? Watch someone’s house while they go on theirs! You can sign up for one of the sites below and watch people’s homes (and often their pets) for free, allowing you to stay in one destination for a while without having to pay for accommodation. Everyone’s account is verified so you know you won’t get cheated. This is a great platform for long-term travel with an important added bonus: you get a kitchen to cook your food (which saves you even more money!!!). Here are the best housesitting websites to check out:
Trusted Housesitters
Home Exchange
House Carers
READ MORE ABOUT HOUSESITTING:
How to Become a House Sitter and Never Pay for Accommodation
How to Travel the World for Free with Trusted Housesitters
Cook your meals
The best way to save money on the road is to cook all your own meals. I recently spent $60 USD for a week’s worth of groceries in Stockholm instead of an average of $15 USD per meal eating out! That’s a saving of $150 USD! If you are Couchsurfing, your host will probably have a kitchen, as do many hostels, campsites, and guesthouses. No kitchen? Pack your own container and silverware and make some sandwiches and salads on the go. Not every meal requires a stove right?
Just because you are traveling, it doesn’t mean you need to eat out every meal. You won’t ruin your trip to Paris if you decide not to eat out one day! There’s simply no reason to be spending lots of money on food on your trip!
READ MORE ABOUT SAVING MONEY ON FOOD WHEN YOU TRAVEL:
How to Lower Your Food Expenses When You Travel
How to Travel and Eat Your Way Around the World
WWOOFing
WWOOF stands for World Wide Opportunities on Organic Farms. It’s a platform that allows you to work on a farm in exchange for free room and board. It’s a great way to see a destination in-depth while allowing you to commune with the great outdoors. You have to pay to get to the farm, but once you are there, everything else is covered!
READ MORE ABOUT VOLUNTEERING:
How to Travel and Work Around the World with WWOOF
How to Ethically Volunteer Anywhere in the World
Bonus tips
Here are five additional ways to save money that cost a little but are still very cheap:
Get rail passes — Booking ahead of time can usually save you about 50% of the cost of a train ticket, but if you don’t want to be tied into a fixed schedule, rail passes can save you a lot of money. I’ve saved hundreds of dollars in Europe doing this!
Sleep in large dorms — Large hostel dorm rooms are the cheapest paid accommodation out there. If Couchsurfing isn’t your thing, this is your next best way to save money on a place to sleep.
Use student and other discount cards — Are you a student, teacher, or under 26? Welcome to the world of 50%-off attractions and a plethora of discounts. Get a student/teacher/youth card and save big!
Get city tourist cards — If you plan on seeing a lot of sights in a city, you should get a city tourism card, which offers you discounted and free access to the major attractions and museums, as well as free public transportation. I saved over $100 with the London pass, $80 with Paris Museum card, $50 with a Helsinki card, and tons more with other city tourism cards. They are an amazing way to save money on attractions that not enough people use.
Sell your services– Need some cash? Use Craigslist, TaskRabbit, or Gumtree to find people who need a few things done around the house and get paid to help them. It’s a way to make money when you travel without committing to a long-term job. Additionally, if you have a skill, sell it. Offer haircuts to other travelers, busk for money, consult, etc. You can also help people learn your native language through apps like Duolingo.
Between all of these tips, you’ll be able to travel for relatively little money. After all, I’ve spent five days in Stockholm on $100 and once spent 10 days in London on $700.
If I can do it, you can do it too.
Whether it’s two months, two years, or just a two-week vacation, travel doesn’t need to cost a huge sum of money. The key is to get out of the mindset that you must travel using the flight/hotel combination. Using out-of-the-box, nontraditional ways to travel can lead to big savings.
With a little creativity, patience, and practice, you can travel the world with little to no money!
Next Steps for Traveling
To turn the above advice into actionable steps by reading the following articles:
How to Get Free Flights & Hotels
How to Travel the World on $50 a Day
Learn How to Get Paid and Travel
The post How To Travel Cheap: The Ultimate Guide To Travelling When You Have No Money appeared first on Nomadic Matt's Travel Site.
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Money story: I was a frugal jerk
New Post has been published on http://foursprout.com/wealth/money-story-i-was-a-frugal-jerk/
Money story: I was a frugal jerk
This guest post from the Frugal Jerk is part of the “money stories” feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success — or failure. These stories feature folks from all stages of financial maturity. Today, the Frugal Jerk — who has asked to remain anonymous for now — shares the first half of his story about going from internet entrepreneur to busted and broke.
You might know me. I’m a blogger and entrepreneur. I’ve had tens of thousands of customers during the last decade, so it’s very possible that you’ve purchased something from me in the past.
I’ve been read by millions of readers on my own sites and I’ve appeared as a guest writer on popular websites you’ve surely heard of. I’ve also been featured in New York Times bestselling books that may sit on your shelf. At my peak, my income was $300,000 per year. By many accounts I would be considered successful. But I’ve made many dumb mistakes with money.
We’re not going to bury the lede: At a certain point, because of a perfect storm of mistakes and problems, the smartest move was to foreclose my home. This move may have even saved my life. This is that story.
What’s interesting about all of this is that I grew up fairly poor and conservative with money. If I couldn’t pay for something in cash then I didn’t buy it. I didn’t make stupid financial decisions. Those decisions were for idiots. I was no idiot! (Reality check: Everyone is an idiot sometimes.)
Buying the Hype
When I bought my home, everything was going great. In the run-up to the U.S. recession, houses wouldn’t stay on the market for long. If you remember those days, you know that you could go to a first open house and the house would often be sold before you got there. It got to the point where houses were regularly selling for more than asking price. Bidding battles were not uncommon.
This should have been a warning. But I was young and dumb and flush with cash. I had a business generating almost $1,000 in profit per day. Mostly automated. All online. What to do with all that money? Home values always go up, right? It’s always smart to “Buy! Buy! Buy!” isn’t it? We all heard it daily. (You might still hear it regularly since the economy has improved lately.) Plus, it’s the alleged American Dream. Quite literally everybody around me told me to buy, particularly those who knew my income. Parents, friends, the echo chamber in the media. I didn’t hear a single dissenting opinion. (Besides my own, which I steadfastly ignored.)
So I bought a home.
Considering my income, I thought I was making a smart choice. I settled — and I do mean settled because I didn’t even like the home — on a $300,000 four-bedroom three-bath two-car-garage home. I was a young single guy with a huge family home. I know what you’re probably thinking. But it was “only” one year’s income and I put 20% down. What could possibly go wrong?
Hahahaha.
If you’ve been a working adult over the past decade, you know the answer.
Nearly everything went wrong.
The stock market tanked. The housing market tanked. And, most relevant to my eventual foreclosure decision, my income tanked. The year I bought my home, I made about $300,000. The year after, I made less than $50,000. The year after that? Less than $20,000.
It was a massive blow to not only my finances but also my ego.
In the Beginning
My beginnings probably aren’t atypical of folks who read sites like Get Rich Slowly.
I started working and saving at around age 13. I had a checking account and kept it balanced all through high school. I graduated from a four-year university with a science degree and not a single dollar in debt. Actually, because of the business I started while in school I graduated college with over $50,000 in savings, including $10,000 in a Roth IRA. Who starts a Roth IRA in college? The Frugal Jerk, that’s who.
Even though I had all this savings, I still felt poor. What’s $50,000 when others folks are millionaires and billionaires? Some call this a scarcity mindset, and maybe it’s a result of growing up “not rich”. We always had electricity and food and went on the occasional vacation (often camping). But I was an LA Gear child with Nike Air tastes. Maybe you can relate?
Like many folks in similar situations, I was raised with a faulty money blueprint. I wasn’t taught the value of money or the thought process behind saving and spending. But I was taught that rich people were to be venerated and poor people disparaged. There was nothing worse than to be poor or in debt or to ask for help. (The ultimate sin was getting any help from the government.)
I was told things like, “No, too expensive. You’ll end up like one of those poor people.”
I was taught to buy the cheapest, even if the more expensive is in the budget, better quality, and more useful. (Now I know a simple cost-benefit analysis can go a long way to helping decide whether to buy something that’s cheap versus something more costly.) The point is that as I became an adult, even though I was debt free and had a significant savings account, I felt poor, was terrified of actually being poor, and I wanted a lot more. And I got it. For a while anyhow.
The positive side of growing up the way I did is that I was taught debt was generally bad (except for a mortgage or car note, for whatever reason). I wasn’t taught why debt was bad, but the lesson mostly stuck. I never — not once in my life — carried a credit card balance. I never paid my bills late. I bought everything in cash, including a luxury automobile.
Wait, what? Frugal with a luxury automobile?
Well, I quickly fell into the classic spending trap once I started earning big. What’s $60,000 for a car when you’re earning that much in just two months? I wrote a check and paid extra to have the specific vehicle I wanted driven cross country and delivered to my door. (In case you’re wondering, that costs over a thousand bucks.) I couldn’t wait to show it off. To whom? To all the poor unsuccessful suckers around me. “Ha! I’m so smart. I bought this expensive car for cash! All these other idiots are using financing. So dumb.”
See? I was already a jerk — but no longer frugal. Obviously.
Things Fall Apart
So, the recession was in full swing although many of us were in denial. Me? Well, as I said, my income tanked and my home’s value tanked. My Roth IRA was worth about what I put into it. My mortgage and home-related expenses were eating close to $25,000 per year, so I was spending more than I was making. (My income fell to below $20,000, remember?) Things were not going well for me.
I decided to try to sell my home.
I listed it below my purchase price. It wouldn’t sell. I set an arbitrary limit to the hit I was willing to take on the home; I was hoping I wouldn’t lose more than $30,000 (or ten percent). In retrospect, I should have done whatever it took to sell. But that’s the thing about hindsight: It’s too easy to look back and judge. I didn’t think things would keep getting worse and I was using emotion instead of logic to make my decisions.
Did I say Frugal Jerk? Frugal Idiot is more like it, right?
But we’re still not to the point of foreclosure. I hustled hard, got some of my income back, and was once again earning nearly $10,000 per month. Not anywhere near what I made before, but a great income nonetheless. I could replenish some of my savings and maybe not worry so much about expenses anymore.
Unfortunately, we still hadn’t seen the worst of the recession. At this point houses like mine were still sometimes — rarely — selling for over $200,000. It wasn’t the $300,000 I bought mine for but it also wasn’t the $120,000 or less they’d eventually sell for. I was uneasy. I didn’t want to take a $100,000 hit on my home (which would take out the majority of my savings), and I didn’t feel like I had many options besides sticking it out and hoping for the best.
Then my income tanked again. Hope wouldn’t — couldn’t — save it. Because, in case you’re unaware, hope is a terrible strategy in business and in life. (Particularly in finance.)
Darkness Visible
Maybe I’ve left out something important: During this time I was also dealing with suicidal depression and debilitating anxiety. Not the result of financial troubles, but certainly exacerbated by them.
Getting out of bed or going grocery shopping was unbearable (and, frankly, a rare occurrence). I often went weeks without speaking to another human being. If I had to, I’d do my grocery shopping at 3 a.m. so I could avoid other people. If you’ve read Darkness Visible by William Styron or even Allie Brosh’s more accessible book Hyperbole and a Half, then you might have some understanding of what this kind of depression feels like. It’s something I’ve dealt with since a young age. And by “dealt with” I mean I shut myself off from the world and kept it all in.
It’s no wonder my chosen career path was to sit in front of a computer and not speak to people on a day-to-day basis. Some might say that career path was more curse than blessing. While it’s provided an interesting life, it hasn’t been without consequences.
Living with the proverbial dark cloud of depression is difficult enough. Doing it while also dealing with income uncertainty and a crashing economy? Yikes! Clearly I’m still here, but it was almost too much to handle. Thankfully, humans are resilient creatures. Even jerks like me.
My foreclosure process was long and grueling. From the time I missed my first payment until the day the house was actually foreclosed upon took three years. But, believe it or not, the experience was one of the most positive things to happen to me as an adult. It forced me to re-evaluate my relationship with money and with life itself. I also learned how to start over with nothing, from the bottom of the heap with a broken credit score.
For more on that, stay tuned for part two of my story next week. And if you have more questions than answers leave them in the comments. I won’t answer them here because I’m a jerk — but I’ll cover them in the future.
Reminder: This is a story from one of your fellow readers. Please be nice. After twenty years of blogging, I have a thick skin, but it can be scary to put your story out in public for the first time. Remember that this guest author isn’t a professional writer, and is just learning about money like you are. Unduly nasty comments on reader stories will be removed or edited.
The post Money story: I was a frugal jerk appeared first on Get Rich Slowly.
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Money story: I was a frugal jerk
New Post has been published on http://foursprout.com/wealth/money-story-i-was-a-frugal-jerk/
Money story: I was a frugal jerk
This guest post from the Frugal Jerk is part of the “money stories” feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success — or failure. These stories feature folks from all stages of financial maturity. Today, the Frugal Jerk — who has asked to remain anonymous for now — shares the first half of his story about going from internet entrepreneur to busted and broke.
You might know me. I’m a blogger and entrepreneur. I’ve had tens of thousands of customers during the last decade, so it’s very possible that you’ve purchased something from me in the past.
I’ve been read by millions of readers on my own sites and I’ve appeared as a guest writer on popular websites you’ve surely heard of. I’ve also been featured in New York Times bestselling books that may sit on your shelf. At my peak, my income was $300,000 per year. By many accounts I would be considered successful. But I’ve made many dumb mistakes with money.
We’re not going to bury the lede: At a certain point, because of a perfect storm of mistakes and problems, the smartest move was to foreclose my home. This move may have even saved my life. This is that story.
What’s interesting about all of this is that I grew up fairly poor and conservative with money. If I couldn’t pay for something in cash then I didn’t buy it. I didn’t make stupid financial decisions. Those decisions were for idiots. I was no idiot! (Reality check: Everyone is an idiot sometimes.)
Buying the Hype
When I bought my home, everything was going great. In the run-up to the U.S. recession, houses wouldn’t stay on the market for long. If you remember those days, you know that you could go to a first open house and the house would often be sold before you got there. It got to the point where houses were regularly selling for more than asking price. Bidding battles were not uncommon.
This should have been a warning. But I was young and dumb and flush with cash. I had a business generating almost $1,000 in profit per day. Mostly automated. All online. What to do with all that money? Home values always go up, right? It’s always smart to “Buy! Buy! Buy!” isn’t it? We all heard it daily. (You might still hear it regularly since the economy has improved lately.) Plus, it’s the alleged American Dream. Quite literally everybody around me told me to buy, particularly those who knew my income. Parents, friends, the echo chamber in the media. I didn’t hear a single dissenting opinion. (Besides my own, which I steadfastly ignored.)
So I bought a home.
Considering my income, I thought I was making a smart choice. I settled — and I do mean settled because I didn’t even like the home — on a $300,000 four-bedroom three-bath two-car-garage home. I was a young single guy with a huge family home. I know what you’re probably thinking. But it was “only” one year’s income and I put 20% down. What could possibly go wrong?
Hahahaha.
If you’ve been a working adult over the past decade, you know the answer.
Nearly everything went wrong.
The stock market tanked. The housing market tanked. And, most relevant to my eventual foreclosure decision, my income tanked. The year I bought my home, I made about $300,000. The year after, I made less than $50,000. The year after that? Less than $20,000.
It was a massive blow to not only my finances but also my ego.
In the Beginning
My beginnings probably aren’t atypical of folks who read sites like Get Rich Slowly.
I started working and saving at around age 13. I had a checking account and kept it balanced all through high school. I graduated from a four-year university with a science degree and not a single dollar in debt. Actually, because of the business I started while in school I graduated college with over $50,000 in savings, including $10,000 in a Roth IRA. Who starts a Roth IRA in college? The Frugal Jerk, that’s who.
Even though I had all this savings, I still felt poor. What’s $50,000 when others folks are millionaires and billionaires? Some call this a scarcity mindset, and maybe it’s a result of growing up “not rich”. We always had electricity and food and went on the occasional vacation (often camping). But I was an LA Gear child with Nike Air tastes. Maybe you can relate?
Like many folks in similar situations, I was raised with a faulty money blueprint. I wasn’t taught the value of money or the thought process behind saving and spending. But I was taught that rich people were to be venerated and poor people disparaged. There was nothing worse than to be poor or in debt or to ask for help. (The ultimate sin was getting any help from the government.)
I was told things like, “No, too expensive. You’ll end up like one of those poor people.”
I was taught to buy the cheapest, even if the more expensive is in the budget, better quality, and more useful. (Now I know a simple cost-benefit analysis can go a long way to helping decide whether to buy something that’s cheap versus something more costly.) The point is that as I became an adult, even though I was debt free and had a significant savings account, I felt poor, was terrified of actually being poor, and I wanted a lot more. And I got it. For a while anyhow.
The positive side of growing up the way I did is that I was taught debt was generally bad (except for a mortgage or car note, for whatever reason). I wasn’t taught why debt was bad, but the lesson mostly stuck. I never — not once in my life — carried a credit card balance. I never paid my bills late. I bought everything in cash, including a luxury automobile.
Wait, what? Frugal with a luxury automobile?
Well, I quickly fell into the classic spending trap once I started earning big. What’s $60,000 for a car when you’re earning that much in just two months? I wrote a check and paid extra to have the specific vehicle I wanted driven cross country and delivered to my door. (In case you’re wondering, that costs over a thousand bucks.) I couldn’t wait to show it off. To whom? To all the poor unsuccessful suckers around me. “Ha! I’m so smart. I bought this expensive car for cash! All these other idiots are using financing. So dumb.”
See? I was already a jerk — but no longer frugal. Obviously.
Things Fall Apart
So, the recession was in full swing although many of us were in denial. Me? Well, as I said, my income tanked and my home’s value tanked. My Roth IRA was worth about what I put into it. My mortgage and home-related expenses were eating close to $25,000 per year, so I was spending more than I was making. (My income fell to below $20,000, remember?) Things were not going well for me.
I decided to try to sell my home.
I listed it below my purchase price. It wouldn’t sell. I set an arbitrary limit to the hit I was willing to take on the home; I was hoping I wouldn’t lose more than $30,000 (or ten percent). In retrospect, I should have done whatever it took to sell. But that’s the thing about hindsight: It’s too easy to look back and judge. I didn’t think things would keep getting worse and I was using emotion instead of logic to make my decisions.
Did I say Frugal Jerk? Frugal Idiot is more like it, right?
But we’re still not to the point of foreclosure. I hustled hard, got some of my income back, and was once again earning nearly $10,000 per month. Not anywhere near what I made before, but a great income nonetheless. I could replenish some of my savings and maybe not worry so much about expenses anymore.
Unfortunately, we still hadn’t seen the worst of the recession. At this point houses like mine were still sometimes — rarely — selling for over $200,000. It wasn’t the $300,000 I bought mine for but it also wasn’t the $120,000 or less they’d eventually sell for. I was uneasy. I didn’t want to take a $100,000 hit on my home (which would take out the majority of my savings), and I didn’t feel like I had many options besides sticking it out and hoping for the best.
Then my income tanked again. Hope wouldn’t — couldn’t — save it. Because, in case you’re unaware, hope is a terrible strategy in business and in life. (Particularly in finance.)
Darkness Visible
Maybe I’ve left out something important: During this time I was also dealing with suicidal depression and debilitating anxiety. Not the result of financial troubles, but certainly exacerbated by them.
Getting out of bed or going grocery shopping was unbearable (and, frankly, a rare occurrence). I often went weeks without speaking to another human being. If I had to, I’d do my grocery shopping at 3 a.m. so I could avoid other people. If you’ve read Darkness Visible by William Styron or even Allie Brosh’s more accessible book Hyperbole and a Half, then you might have some understanding of what this kind of depression feels like. It’s something I’ve dealt with since a young age. And by “dealt with” I mean I shut myself off from the world and kept it all in.
It’s no wonder my chosen career path was to sit in front of a computer and not speak to people on a day-to-day basis. Some might say that career path was more curse than blessing. While it’s provided an interesting life, it hasn’t been without consequences.
Living with the proverbial dark cloud of depression is difficult enough. Doing it while also dealing with income uncertainty and a crashing economy? Yikes! Clearly I’m still here, but it was almost too much to handle. Thankfully, humans are resilient creatures. Even jerks like me.
My foreclosure process was long and grueling. From the time I missed my first payment until the day the house was actually foreclosed upon took three years. But, believe it or not, the experience was one of the most positive things to happen to me as an adult. It forced me to re-evaluate my relationship with money and with life itself. I also learned how to start over with nothing, from the bottom of the heap with a broken credit score.
For more on that, stay tuned for part two of my story next week. And if you have more questions than answers leave them in the comments. I won’t answer them here because I’m a jerk — but I’ll cover them in the future.
Reminder: This is a story from one of your fellow readers. Please be nice. After twenty years of blogging, I have a thick skin, but it can be scary to put your story out in public for the first time. Remember that this guest author isn’t a professional writer, and is just learning about money like you are. Unduly nasty comments on reader stories will be removed or edited.
The post Money story: I was a frugal jerk appeared first on Get Rich Slowly.
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If you’re studying to go into a career that is linked to public well-being, you can select from an assortment of subjects. A general guideline in the social sciences is that a great research problem is one which would bring in a selection of viewpoints from a composite https://www.hm.edu/deutschlandstipendium/ audience consisting of reasonable folks. An interdisciplinary approach to selecting a research problem provides a chance to construct a more comprehensive comprehension of quite an intricate issue that any single discipline could be able to offer.
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Thorough research work is very time-consuming. With this much research available on any certain topic, research questions must be as clear as possible in order to work in helping the writer direct her or his research. Based on the research aims, when replicating a prior study, it’s typically best to add or change a couple of things to boost the novelty of the research.
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